Underpricing kills freelance businesses quietly. You finish the project, send the invoice, and only later realize you worked below your actual cost of staying in business – because you guessed instead of calculated. This spreadsheet and playbook gives solo freelancers, consultants, designers, developers, and small agency owners a complete pricing and forecasting system they can use from day one. No financial background required. No building from scratch. You get a structured decision framework for choosing the right pricing model for each engagement, a rate-floor calculator that derives your minimum viable rate from your real numbers, a project quote generator, a side-by-side pricing model comparison workbench, a 12-period cash flow projection, and a three-scenario revenue modeller – all in one file, with a short playbook explaining how to use each section. The result: every quote you send starts from a defensible floor, you can show a client three pricing structures in minutes, and you can see your cash position three months out before a slow patch becomes a crisis.
What's included
- A Pricing Model Selector with a full decision framework and playbook – so you know when to charge hourly, when to pitch value-based pricing, and when a retainer serves you better, before you write the proposal
- A Rate-Floor Calculator that derives your minimum viable rate from your target income, realistic billable hours, and fixed overhead – so no quote ever starts from a guess
- A Project Quote Generator that builds structured, itemized quotes from your inputs – giving you a repeatable process for scoping and pricing any project type
- A Pricing Model Comparison Workbench that lets you model hourly, value-based, and retainer structures side by side for the same engagement – so you can choose the approach that serves you and present options to clients with confidence
- A 12-Period Cash Flow Projection template that separates confirmed, expected, and at-risk income from fixed and variable costs – with a net-cash-position row and a late-payment buffer input so you can see trouble coming before it arrives
- A Scenario Modeller with best-case, base-case, and worst-case revenue templates driven by four single-input toggles – utilisation rate, average project value, retainer count, and monthly retainer value – that cascade across all three scenarios simultaneously
